Ratibi Card is perfect for all those individuals or employees who earn AED 5,000 or less per month and want to simplify their finances. If you work in the UAE, you must have needed to check Ratibi Card balance or are already using it. It is a prepaid salary card that allows you to receive your salary, make online transactions, and even send money abroad without the need for a bank account. Additionally, the Ratibi Card offers an easy way to manage your budgeting and expenses without the hassle of traditional banking. For those looking for more convenience, inquire about how to open du pay account, which can complement your financial management strategies. With these tools, you can take control of your finances and make the most out of your earnings.
But how to check your Ratibi Card balance? What are its benefits? And how to make the most of it? In this blog post, you will find information on checking your balance, activating the card, hidden benefits, and troubleshooting common problems. Additionally, we’ll explore the steps on how to check hafilat card balance, ensuring you stay informed about your funds. Understanding these aspects will help you maximize your card’s potential, while also providing solutions for any issues you may encounter. Whether you’re a new user or an experienced holder, there’s valuable insight here for everyone. Additionally, it’s crucial to monitor not just your Ratibi Card balance but also your overall financial health. Knowing how to check your credit score can empower you to make informed financial decisions and improve your eligibility for future credit options. By combining the use of your Ratibi Card with a solid understanding of your credit status, you can navigate your financial landscape more effectively.
Why is the Ratibi Card important?
The Ratibi Card, issued by First Abu Dhabi Bank (FAB), is designed for low-wage workers under the UAE’s Wage Protection System (WPS). It eliminates the need for a bank account for individuals whose income is less than 5,000 dirhams while providing the following benefits: The Ratibi Card offers convenient access to funds through ATMs and enables users to receive their salaries promptly. Furthermore, the card ensures secure and efficient salary disbursement in compliance with local regulations. Additionally, the salary card benefits for workers include free health insurance and access to various financial services tailored for their needs. Moreover, low-wage workers can also explore the option to open Emirates NBD salary account, which offers additional features such as easy online banking and access to loans tailored to their income. This flexibility allows workers to better manage their finances and improve their overall financial stability. With these initiatives, the UAE continues to support its workforce by providing financial inclusivity and security.
- Instant Ratibi Card Salary Check – There are no payment delays.
- No monthly fees – There are no monthly fees or hidden charges, unlike regular bank accounts.
- Free ATM Withdrawals – Enjoy free ATM Withdrawals anytime in the UAE.
- International Money Transfers – You can send money to over 200 countries from the Ratibi app.
- Bill Payments & Mobile Recharge – Pay Etisalat, du, Salik, and other utility bills online.
- Salary Loan – Borrow up to 50% of your salary through the Pay It app.
I have been working in the UAE for over 5 years, and I have tested several financial services such as FAB Card and Al Ansari Card. Since I have been using this card for over a year, I will give you some insider tips. This will help you avoid common mistakes and maximize its benefits. Additionally, understanding the various banking options for expats in UAE can significantly enhance your financial experience. Exploring the features and fees associated with different banks will ensure you choose the most suitable services for your needs. Being informed about these options can lead to better financial management and savings in the long run. It’s also essential to familiarize yourself with the know your customer regulations in UAE, as these vary across financial institutions and can impact your banking experience. Ensuring that you comply with these regulations will not only streamline your transactions but also build trust with your financial service providers. By staying informed and proactive, you can navigate the financial landscape in the UAE with confidence and security.
How to check Ratibi Card balance? (3 easy ways)
Method 1: Online via FAB Prepaid Portal (Quick Check)
If you do not want to install the app, this is the fastest way to check your balance without the app. For this, you can check your Ratibi Card balance without logging in. You can also use the SMS service provided by your bank to get your balance updates directly on your phone. This convenient method complements the rpay balance enquiry process, ensuring that you can stay informed at all times. Simply follow the instructions provided by your bank for a seamless experience.
- Step 1: Go to FAB’s Ratibi Card inquiry page.
- Step 2: Enter the last two digits of the card number.
- Step 3: Enter your Card ID (listed on the back of the card).
- Step 4: Click “Go” to view your balance and transaction history.
💡 Expert Tip: Bookmark this page in your internet browser. This will allow you to check quickly in the future—no login required! By keeping this page bookmarked, you’ll have easy access to valuable resources and insights. For those looking to expand their portfolio, exploring alternative investment opportunities with BlackRock can provide a great advantage. Stay informed and make precise financial decisions effortlessly!
Method 2: Via FAB Mobile App (Easiest)
If you check your balance frequently, the FAB app (Android/iOS) is the best:
- Register using your Ratibi Card number, Emirates ID, and mobile number.
- Log in, go to “Cards” and select “Check Balance”.
Bonus: You can also lock/unlock your card from the app if it gets lost.
Method 3: Via SMS (without internet)
This method is successful and useful when you don’t have internet access or don’t want to check online. You may have to pay some charges with this method. In such situations, you can rely on local sources or financial news on television to get updates. Many dealers provide periodic updates on the gold and silver prices today, allowing you to make informed decisions. This approach ensures you remain updated on market trends without the need for internet access.
- Send an SMS to FAB’s short code (1010) by typing “BAL”.
- You will receive an automated response with your current balance.
⚠ Note: Normal SMS charges may apply.
Ratibi Card ATM Withdrawal Fees
| ATM Type | Withdrawal Fee |
|---|---|
| FAB (NBAD/FAB) ATMs | Free |
| Non-FAB (UAE) ATMs | AED 2–3 per transaction |
| International ATMs (Abroad) | AED 20 per transaction |
How to activate Ratibi Card in 5 minutes?
Luckily, you don’t need to go to an ATM; you can activate your card from anywhere using your mobile phone. If you have received a new Ratibi card, follow these steps to activate it immediately: Once your card is activated, you can easily manage your transactions through the app. Should you decide to switch banks or close your current account, it’s important to know how to close mashreq neo account for a seamless transition. This ensures that all your financial obligations are settled and that you maintain a good credit record. Additionally, once you’ve familiarized yourself with the app, you can explore various financial tools in the UAE that can enhance your financial management experience. These resources can help you budget better, track your spending, and even provide insights into saving opportunities. Taking advantage of these tools will empower you to make informed decisions about your finances.
- Step 1: Download the Pay It app (Android / iOS).
- Step 2: Register with your mobile number and Emirates ID.
- Step 3: Link your Ratibi Card by entering the 16-digit card number and CVV.
- Step 4: Verify via OTP (sent to your registered number).
- Step 5: You can now use it for payments, withdrawals, and salary loans.
🔶 Important: If activation fails, call FAB Customer Care on 600 52 5555.
5 Best Benefits of Ratibi Card That You May Not Know
Not only can you receive your salary with this card and app, but it also has many other benefits that you should know about.
Get a salary loan amount (up to 50%)
When you become an old user, you can take a 50% salary advance through the Pay It app. You will not have to pay any interest on this, and the amount will be deducted automatically when your next salary comes.
Suppose you receive a salary of 2000 AED every month on this card, then you can borrow 1000 AED without interest. This borrowing option can provide you with some financial flexibility in times of need. Additionally, it’s important to stay informed about emirates nbd remittance fee changes, as they may affect your ability to send money abroad efficiently. Being aware of these fees can help you make better financial decisions regarding your savings and expenditures. Furthermore, as you navigate your financial landscape, keep an eye on the upcoming ‘uae banks minimum balance increase‘ which may impact your monthly budgeting. Maintaining a sufficient balance could allow you to avoid extra fees while ensuring access to essential banking services. This proactive approach can further enhance your financial stability, especially when unexpected expenses arise.
Send money overseas at cheap rates:
With the help of this app, people can send money directly to India, Pakistan, Philippines, etc. There will be no need to go to expensive exchange centers. The app has the best exchange rates, and money is transferred instantly.
Pay bills and recharge mobiles without standing in any queue:
You can easily pay bills and recharge for any telecom operator, be it Etisalat, DU, or Virgin Mobile, using this app.
Shop online and in stores (5000+ UAE stores)
Use the Ratibi Card like a debit card—at Carrefour, Lulu, Amazon.ae and more.
Free insurance coverage
You can also get personal accident insurance with this card. This is a rare feature for prepaid cards.
Ratibi vs Traditional Bank Accounts
| Feature | Ratibi Salary Card | Traditional Bank Account |
|---|---|---|
| Purpose | Salary disbursement for low-income earners | Full banking services for individuals & businesses |
| Eligibility | For salaries below AED 5,000/month (non-salaried expats) | Any salary, usually AED 3,000+ for opening |
| Provider | Offered by FAB (First Abu Dhabi Bank) | Offered by all banks (Emirates NBD, ADCB, etc.) |
| Minimum Balance Requirement | No minimum balance required | Usually AED 3,000 (or penalty applies) |
| Monthly Fees | No monthly fees | May apply if balance falls below minimum |
| ATM Access | Free access to FAB ATMs | Free access to bank’s ATMs |
| International ATM Access | Limited or charges apply | Available (charges may apply) |
| Online Banking | Not available | Fully available (internet & mobile banking) |
| Cheque Book | Not issued | Cheque book available (Current account only) |
| Debit Card | Yes (limited use) | Yes (full use, online and POS transactions) |
| Salary Over AED 5,000 | Not allowed | Allowed and common |
| Interest Earning | No | Yes (on Savings account) |
| Loan Eligibility | Not eligible | Eligible (if income meets criteria) |
| Transfer Money Locally | Limited or via exchange houses | Full access (bank transfers, WPS, etc.) |
| International Transfers | Not available | Available |
| Mobile Recharge/Bill Pay | Limited | Fully available |
| Ideal For | Workers, laborers with low income | Professionals, businesspersons, general public |
How to apply for a Ratibi Card? (Steps for Employer and Employee)
Both the Employer and the Employee can apply for the Ratibi card online using the given details. First, complete the requirements and then start the application submission online. After submitting the application, both parties should monitor the progress through the online portal. Additionally, once the Ratibi card is received, users can easily perform a lulu salary card balance inquiry to keep track of their funds. This ensures that both the Employer and the Employee remain informed about any financial transactions. It’s also important for users to understand how to check medical insurance status, as this will help ensure that employees are adequately covered. Regularly reviewing both the Ratibi card balance and medical insurance details can prevent potential financial discrepancies. By staying proactive, both the Employer and Employee can better manage their financial and health-related obligations.
For Employer:
- Must have a corporate account with FAB.
- Fill out the Rateeb application form (available from FAB branches).
- Submit employee details (Excel sheet with name, Emirates ID, salary, etc.).
- Wait for approval (usually 3-5 business days).
For Employee:
- Your employer will need to enroll you.
- Once issued, activate it from the Pay It app (as per the steps above).
Frequently Asked Questions (Expert Answers)
Yes! It’s a prepaid card—no bank account required.
Immediately reset it from the Pay It app or call FAB support.
Yes—up to AED 5,000 per day (may vary by card type). You can find out the limit for your card using the app.
Call FAB immediately at 600 52 5555 to have it blocked.
Final Verdict: Is the Rate Card Useful?
After more than a year of use, I recommend the Ratibi card especially for:
- For low-wage workers (AED 5,000 or less).
- For foreign workers who send money home (remittance at a cheaper rate).
- For employers who pay salaries under the WPS (easy payment system).
If you are using another account for your salary, you can still use it to send money abroad. This can save you from paying additional bank fees. Remember, keep your card ID and PIN safe to avoid fraud. However, it’s essential to be aware of the regulations surrounding international transfers, especially in light of the UAE Central Bank AML crackdown. Compliance with anti-money laundering measures is crucial to ensure smooth transactions and avoid any potential legal issues. By staying informed about these regulations, you can better protect your finances while sending money overseas.
